PA Workers Comp Calculator
Industry Guides · 2026 PCRB Data
Workers Compensation Insurance PA by Industry
Pennsylvania workers' compensation rates vary enormously by industry. Select your industry below for specific 2026 loss costs, class codes, estimated premiums, and cost reduction guidance.
Construction
$3.00+Construction is one of the highest-risk industries for workers' compensation claims in Pennsylvania.…
View rates & class codes →Restaurants
$1.50+Pennsylvania restaurants face unique workers' comp challenges: slips on wet kitchen floors, burns fr…
View rates & class codes →Landscaping
$2.50+Pennsylvania landscaping businesses face significant workers' comp costs due to the outdoor, physica…
View rates & class codes →Healthcare
$0.50+Pennsylvania healthcare workers face workers' comp risks that are unique to patient care: patient ha…
View rates & class codes →Roofing
$8.00+Roofing is one of the highest-risk trades in Pennsylvania, with some of the highest workers' comp lo…
View rates & class codes →Trucking & Delivery
$1.50+Pennsylvania trucking and delivery businesses face workers' comp risks on two fronts: motor vehicle …
View rates & class codes →Retail
$0.75+Pennsylvania retail businesses generally have moderate workers' comp costs compared to high-hazard i…
View rates & class codes →Manufacturing
$1.00+Pennsylvania's manufacturing sector spans everything from light assembly to heavy industrial operati…
View rates & class codes →Cleaning & Janitorial
$2.00+Pennsylvania cleaning and janitorial businesses face consistent injury risks from wet floors, chemic…
View rates & class codes →Plumbing & HVAC
$3.50+Pennsylvania plumbing and HVAC contractors operate in challenging environments — confined spaces, he…
View rates & class codes →Electrical Contractors
$2.50+Electrical contracting is a high-skill, high-hazard trade in Pennsylvania. Electrocution, arc flash …
View rates & class codes →Home Health & Senior Care
$2.00+Pennsylvania home health agencies face some of the most complex workers' comp challenges — scattered…
View rates & class codes →Warehousing & Distribution
$1.50+Pennsylvania warehousing and distribution operations — fueled by the state's position as a major fre…
View rates & class codes →Tree Service & Arborists
$8.00+Tree service work carries some of the highest workers' comp rates in Pennsylvania. Working at height…
View rates & class codes →Painting Contractors
$2.00+Pennsylvania painting contractors face fall hazards from ladders and scaffolding, chemical exposure …
View rates & class codes →Masonry & Concrete
$4.00+Pennsylvania masonry and concrete work combines heavy material handling with elevated work and expos…
View rates & class codes →Auto Repair & Service
$1.50+Pennsylvania auto repair shops face workers' comp risks from working under lifted vehicles, chemical…
View rates & class codes →Childcare & Daycare
$1.00+Pennsylvania childcare workers face unique workers' comp risks — physically lifting children, exposu…
View rates & class codes →Security Services
$1.50+Pennsylvania security companies face elevated workers' comp costs driven primarily by workplace viol…
View rates & class codes →Agriculture & Farming
$1.50+Pennsylvania farms and agricultural operations have unique workers' comp rules compared to other ind…
View rates & class codes →Why Rates Vary by Industry
How Pennsylvania Workers' Comp Rates Are Set by Industry
The PCRB assigns every type of work a class code with a loss cost — the actuarial estimate of expected injury costs per $100 of payroll for that industry in Pennsylvania. Loss costs are calculated from Pennsylvania's actual claims history, not national averages.
A clerical office worker (Code 953) has a loss cost of approximately $0.09 per $100 payroll. A roofer (Code 551) has a loss cost of $10+ per $100 payroll. The 100x+ difference reflects the actual injury frequency and severity data from Pennsylvania workers' comp claims.
Your final premium also depends on your carrier's Loss Cost Multiplier (LCM) — the insurer's markup applied to the PCRB loss cost. LCMs vary by carrier and class code, typically ranging from 1.20 to 1.80 in the PA market.
Use our free calculator to estimate your specific premium with your actual payroll, class code, LCM, and experience modifier.
Find the Best Rate for Your Industry
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Learn the Terminology
Key Terms for PA Workers' Comp
Understanding these terms helps you compare quotes and control costs.